Search found 113 matches

by nwffdiver
Fri Oct 05, 2018 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: My apathetic sister's rollover IRA Money Market
Replies: 12
Views: 1086

Re: My apathetic sister's rollover IRA Money Market

Its completely admirable that you are t tying to help out a loved one. I think all of us here would do that, but remember if she didn’t ask.... she may interpret that as you telling her how to manage her money. Advice above was good. I once tried to help,out my sister, who if we’re being completely ...
by nwffdiver
Wed Sep 26, 2018 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: Pension vs 401k, help
Replies: 31
Views: 2175

Re: Pension vs 401k, help

I would recommend you consider staying in your current position AND contribute the maximum to a deferred account, 403b, etc. each year so that you maximize both your pension and savings. Perhaps you are already doing this? Are you able to purchase service credits? Many state employees can use pre-t...
by nwffdiver
Mon Sep 24, 2018 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: Review my IPS
Replies: 13
Views: 1775

Re: Review my IPS

I've never really lived through a proper recession. I was a kid during the dot-com bubble and in high school during the 2008 mortgage crisis. That said, when I take many of the "risk calculators" online I consistently get a 10/10. That is because I answer the "right" way: no I won't sell if my port...
by nwffdiver
Sun Sep 23, 2018 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Advice for a Teacher
Replies: 19
Views: 1639

Re: Investment Advice for a Teacher

I agree the 500 index and Total stock are basically the same. If you post all of the available funds (tickers and expense ratios) a lot of smarter people than me will give you some good advice. Also if you will have a pension ( being a teacher) that would also affect how you set your Asset Allocatio...
by nwffdiver
Fri Sep 21, 2018 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: Ally Savings vs Vanguard Prime Money Market Fund - Need Advice
Replies: 77
Views: 10807

Re: Ally Savings vs Vanguard Prime Money Market Fund - Need Advice

I keep the majority of my EF in Ally’s online savings account @ 1.85, but also have 1/3 in VG prime MM fund. Both are pretty much safe, and the difference in interest is negligible on $40 k . I just prefer having some cash I can immediately move to equities if needed. I simply refill both as needed....
by nwffdiver
Mon Sep 17, 2018 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: Can I have an oversized emergency savings account?
Replies: 19
Views: 2239

Re: Can I have an oversized emergency savings account?

I too keep a relatively large amount in cash for my “EF” , but I have it in tiers... 1. Checking account with monthly expenses + $1000-1500 extra 2. Online savings with about $25,000 3. Some I bonds and my VG MM fund with about $10,000 I personally do this because my wife is from Europe, and her par...
by nwffdiver
Sun Sep 02, 2018 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Fully maxed out
Replies: 70
Views: 8149

Re: Fully maxed out

Are there any other tax advantaged accounts I forgot to list? Those with 403bs may also have 457bs. But they are unlikely (I think) to have mega backdoor opportunities, unless the spouse does. This is true, most government plans don’t allow above normal contributions. My 457b does allow up to a dou...
by nwffdiver
Sun Sep 02, 2018 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: Fully maxed out
Replies: 70
Views: 8149

Re: Fully maxed out

We fully max out all available tax advantaged accounts yearly, the rest goes into taxable. Feels good. Wish there was more we could do. Finally in a place where we also can max out all Tax advantaged 401k, 457b, 2 Roth’s . It took time and cutting back on what we spend, but it feels great. Actually...
by nwffdiver
Sun Sep 02, 2018 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio for 35 year old
Replies: 21
Views: 2273

Re: Portfolio for 35 year old

crossroad101 wrote:
Sun Sep 02, 2018 12:44 pm


Trying to save for a house, moving from Southwest to Northwest (not Seattle, but the other NW area housing still appears to be expensive).
It is..... I can verify that for you!!
by nwffdiver
Wed Aug 29, 2018 10:42 pm
Forum: Investing - Help with Personal Investments
Topic: 457(b) error
Replies: 7
Views: 831

Re: 457(b) error

Op, Unfortunately, anytime you have a change in a government position, it can change benefits. It’s possible the change from FT to PT employment triggered a change in the 457 contributions. If you didn’t notice that the funds were not being taken out of your check., maybe you had a salary change as ...
by nwffdiver
Wed Aug 29, 2018 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Help evaluate my financial situation
Replies: 27
Views: 2509

Re: Help evaluate my financial situation

First of all congrats! I say enjoy retirement. Between SPY (s&p500) etf , QQQ (nasdaq) etf and 600 shares of Facebook, you have a lot of money in just FB. Be careful not to have to much riding on any one bet! Full disclosure I had to look up the tickers and holdings. Both ETFs have 4+ % in FB. :shar...
by nwffdiver
Sun Aug 26, 2018 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: Take pension immediately upon retirement, or use 457 funds?
Replies: 36
Views: 1732

Re: Take pension immediately upon retirement, or use 457 funds?

sounds good. sounds too good to be true IMO. +1. I agree. It seems unrealistic and unsustainable. How does a pension like this get funded over the long term? Thi sounds like Oregon's plan. It's not your employer kicking in the additional money, it's your neighbors... Well I’m not sure where you hea...
by nwffdiver
Fri Aug 24, 2018 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: Is Treasury Direct worth the hassle?
Replies: 52
Views: 5357

Re: Is Treasury Direct worth the hassle?

The TD website is less than “user friendly”, but setting up an account is pretty easy as already said. I personally have a few I Bonds there, but find buying treasuries easier through Vanguards site, this way I could sell them early if ever needed. Never personally had any problem adding a bank, but...
by nwffdiver
Fri Aug 24, 2018 10:19 am
Forum: Investing - Help with Personal Investments
Topic: 457 Enrollment
Replies: 9
Views: 665

Re: 457 Enrollment

Nationwide is one of our 457b providers as well. It is our only option for our 401a (employer match) I too use the NW S&P 500 index for that account as all of their ERs are high.

Brad
by nwffdiver
Thu Aug 23, 2018 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: 45 and getting older... [asset allocation]
Replies: 17
Views: 2210

Re: 45 and getting older... [asset allocation]

Now it’s easy, just keep saving !!! Remember what others have said “ if the market turns, keep on investing, you’re buying low!”

:sharebeer
Brad
by nwffdiver
Thu Aug 23, 2018 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with cash in this market?
Replies: 34
Views: 3372

Re: What to do with cash in this market?

You guys are right - I should have specified my time horizon. I am 36, not retiring for at least 25 years and I expect a pension when I retire. That said, if the market tanks, it might take it a couple of years to bounce back. So, if I invest everything today, I would have lost those years in a way...
by nwffdiver
Sun Aug 19, 2018 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: Oregon Pers
Replies: 3
Views: 520

Re: Oregon Pers

Remember OR PERS is actually based on total months. Yes it is underfunded, yes it may get changed somewhat, but it’s NOT going away. Let it ride, it will give you at least a small pension. I don’t know anything about WA rules. When you retire with PERS you can roll the IAP into an IRA if that works ...
by nwffdiver
Sun Aug 19, 2018 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: Oregon Pers
Replies: 3
Views: 520

Re: Oregon Pers

OP,

A few questions...

How many years do you have in PERS?

We’re you P&F or general service?

You were Tier 1, and have a IAP which means you worked through the 2003 change. That means at least 8-9 years minimum.
by nwffdiver
Sun Aug 19, 2018 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation (College Graduate Edition)
Replies: 16
Views: 848

Re: Asset Allocation (College Graduate Edition)

+1 Your pension needs to be considered. I max out our Roth’s on Jan 2 most years, and now we are able to max out both my 457b and the wife’s 401k, but when we could not afford to, we always did employers plan to the match, Roth, then all we could to max employers plans. Keep saving Brad Wish my emp...
by nwffdiver
Sun Aug 19, 2018 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation (College Graduate Edition)
Replies: 16
Views: 848

Re: Asset Allocation (College Graduate Edition)

With 35-40 years or longer, I would definitely be 100% stocks in my retirement accounts through my 20s & 30s. You just need to have the intestinal fortitude not to bail out during the next correction or 40% bear market You did mention that you will be funding your Roth IRA, which is great. You must...
by nwffdiver
Fri Aug 17, 2018 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: Anybody Investing with 'Betterment'?
Replies: 31
Views: 4942

Re: Anybody Investing with 'Betterment'?

I had a small taxable there for a short while, they constantly buy and sell creating a lot of small taxable events. I cashed out totally and moved my money to Vanguard.

I suspect with a larger $ figure it would be a lot worse. Now with the extra 25 bp....No thank you
by nwffdiver
Fri Aug 17, 2018 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: 403(b) investment choices
Replies: 9
Views: 925

Re: 403(b) investment choices

Hi everyone, Just wanted to thank you again for your help and not-so-subtle pressure to address other things in my portfolio before my actual question! I've decided to transfer everything from Northwestern over to Vanguard. My plan is simply to sell everything (there will be some gains/fees in taxa...
by nwffdiver
Tue Aug 14, 2018 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: Clarification ref Governmental 457b distributions
Replies: 11
Views: 781

Re: Clarification ref Governmental 457b distributions

I thought you could make qualified withdrawals upon separation from the employer before 59.5 with a 457b? Is the rule different for the Roth version? As I already said; 457b withdrawals are not "qualified" withdrawals, they are "penalty-free" withdrawals. Traditional 457b withdrawals are subject to...
by nwffdiver
Mon Aug 13, 2018 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: VMMXX vs I-Bonds vs High Yield saving account vs ... ?
Replies: 26
Views: 3543

Re: VMMXX vs I-Bonds vs High Yield saving account vs ... ?

If I'm honest about how much time I've put into researching where to put my EF dollars, my ROI is downright embarrassing.. I moved my money to a rolling set of 4-week treasuries earning > 1.9% with bills maturing every week to preserve the liquidity aspect of those dollars. Will I make more money t...
by nwffdiver
Sat Aug 11, 2018 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: Stable Income vs Bond Fund
Replies: 8
Views: 1032

Re: Stable Income vs Bond Fund

I use the fixed account/ stable value fund in our 457b plan. It pays a guaranteed 3%. It makes up 50% of my FI, the rest is TBM and some treasuries.
by nwffdiver
Fri Aug 10, 2018 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: 10 year check up, look back and look forward to retirement
Replies: 13
Views: 1461

Re: 10 year check up, look back and look forward to retirement

Not to hijack the OP, but I too will have a pension ( about 45-50% ) of my needs, and have been considering getting more Roth assets. My 457 doesn’t have a Roth option, and our ROth IRAs are only about 10% of our retirement savings. Would it be worthwhile in the 24% tax bracket to have my wife spli...
by nwffdiver
Fri Aug 10, 2018 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: 10 year check up, look back and look forward to retirement
Replies: 13
Views: 1461

Re: 10 year check up, look back and look forward to retirement

I am a couple years away from eligibility for a pension retirement. It snuck up on me, as I was busily shoveling money into the retirement plan and not thinking very far ahead. I wish I had planned better because I feel we have too much of our savings in tax-deferred and not enough of a Roth portio...
by nwffdiver
Fri Aug 10, 2018 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: Have you rebalanced to bonds this year?
Replies: 25
Views: 2328

Re: Have you rebalanced to bonds this year?

Yes I too had to move about 7% over to my wife’s TBM from TSM in her rollover IRA. :D
by nwffdiver
Wed Aug 08, 2018 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: Is the etf and MF equivalent gonna create a wash sale?
Replies: 14
Views: 826

Re: Is the etf and MF equivalent gonna create a wash sale?

So if I hold those funds ( VTSAX and VTIAX) in my IRAs, and re bought VTSAX or VTIAX in taxable, will that trigger a wash sale? No, not necessarily. There are a few other conditions for creating a wash sale. One main thing you have not mentioned in this thread is that you have to sell something in ...
by nwffdiver
Wed Aug 08, 2018 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: Is the etf and MF equivalent gonna create a wash sale?
Replies: 14
Views: 826

Re: Is the etf and MF equivalent gonna create a wash sale?

Thanks for all the help. I am relatively new to the taxable account other than MM, CDs and ibonds. We are fortunate to finally be in a place where we are able to add after maxing out our tax deferred / tax free. I just don’t want to make any unnecessary mistakes!

:sharebeer

Brad
by nwffdiver
Wed Aug 08, 2018 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Is the etf and MF equivalent gonna create a wash sale?
Replies: 14
Views: 826

Re: Is the etf and MF equivalent gonna create a wash sale?

Nate79 wrote:
Wed Aug 08, 2018 11:49 am
IRA's and taxable accounts count in determining wash sales.
Sorry to keep asking probably basic questions, does the IRS look at both mine and my wife’s as one?

Also back to my original question if I used an etf vs. the MF is it still considered the same?
by nwffdiver
Wed Aug 08, 2018 11:45 am
Forum: Investing - Help with Personal Investments
Topic: Is the etf and MF equivalent gonna create a wash sale?
Replies: 14
Views: 826

Re: Is the etf and MF equivalent gonna create a wash sale?

I think VTI is substantially identical to VTSAX and to VTSMX. It is not substantially identical to VFIAX. I think VXUS is substantially identical to VTIAX and to VGTSX. It is not substantially identical to VFWAX. Just because something is substantially identical to another something does not make a...
by nwffdiver
Wed Aug 08, 2018 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Is the etf and MF equivalent gonna create a wash sale?
Replies: 14
Views: 826

Is the etf and MF equivalent gonna create a wash sale?

I currently have VFIAX VG 500 index in my taxable along with VFWAX VG FTSE all ex-US as I have VTSAX and VTIAX in my IRAs. If I sold either VFIAX or VFWAX and bought the etf ie. VTI or VXUS would this creat a wash sale due to my IRA holdings? Just curious, the last time I tax loss harvested I sold V...
by nwffdiver
Wed Jul 18, 2018 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: 401a Lump Sum Allocations
Replies: 7
Views: 588

Re: 401a Lump Sum Allocations

Just use the 500 index and the small cap fund. The other two are duplicating Whats in the S&P 500. Will save you $$$ Just to clarify about saving money from not duplicating efforts. Being invested in 2 fund with the same expense ratio is more expensive than being in 1 fund with that same expense ra...
by nwffdiver
Wed Jul 18, 2018 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: Brand New Investor/ Please Help!
Replies: 8
Views: 779

Re: Brand New Investor/ Please Help!

I would like help with my Roth work 401k and I would love yalls At age 25 I suggest about 20% in bonds. This is expected to substantially reduce portfolio volatility (risk) I suggest investing your 401k in these funds: 60%, Vanguard Institutional Total Stock Market Index Fund Institutional Plus Sha...
by nwffdiver
Wed Jul 18, 2018 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: 401a Lump Sum Allocations
Replies: 7
Views: 588

Re: 401a Lump Sum Allocations

Just use the 500 index and the small cap fund. The other two are duplicating Whats in the S&P 500. Will save you $$$ As far as bonds, you’re young, just don’t freak out and sell if you take a big equity loss. I have heard a lot of people talk about the TIAA Traditional for fixed income, but I don’t ...
by nwffdiver
Tue Jul 17, 2018 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Phasing out Roth vs 401k/HCE
Replies: 16
Views: 1367

Re: Phasing our Roth vs 401k

Single filers start to phase out at $120k, but don’t completely go away til $135k
see here: https://www.rothira.com/roth-ira-rules

And as already stated, you can do a Backdoor Roth also.
by nwffdiver
Sat Jul 14, 2018 7:54 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Portland, Oregon
Replies: 142
Views: 46366

Re: Master Thread for Portland, Oregon

I would be interested in attending meeting as well. I will get you my email.

Thx,
Brad
by nwffdiver
Fri Jul 13, 2018 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: For Those Who Purchased Ally No Penalty CD's in Dec/Jan
Replies: 96
Views: 14983

Re: For Those Who Purchased Ally No Penalty CD's in Dec/Jan

Yes I just closed a 6 month CD with them earlier this week as the rate( 1.6) was less than my online savings at 1.75?!?!?
by nwffdiver
Thu Jul 12, 2018 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: New Boglehead - Portfolio Questions
Replies: 11
Views: 802

Re: New Boglehead - Portfolio Questions

You have great funds in your 401k all institutional shares( very low cost). Super jealous, you should definitely max out your 401k. Those fees are lower than Vanguard admiral shares. I do see that VTWIX is a total world large cap fund,so you have some overlap. You may have done that intentionally. :...
by nwffdiver
Wed Jul 11, 2018 6:22 pm
Forum: Investing - Help with Personal Investments
Topic: Investing into taxable while spouse is unemployed
Replies: 5
Views: 632

Re: Investing into taxable while spouse is unemployed

I am currently 70 /30 with all of our Bonds in our tax deferred accounts. I am happy with this AA as I will have a pension to cover 55-65% of my needs. We do also have ~$3-4000 in I bonds, but haven’t added there in a few years.
by nwffdiver
Wed Jul 11, 2018 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: Investing into taxable while spouse is unemployed
Replies: 5
Views: 632

Investing into taxable while spouse is unemployed

Him 49 Her 51 AGI $165,000 MFJ Fed 24%, St 9% Oregon EF in Ally savings MM, VG Prime MM 6-8 months of expenses My Assett Allocation: Stocks 70%, FI 30% international 25% of stocks Total of Retirement assets high 6 figures His and her Roth IRAs maxed each year His 18,500 to 457b Her was maxing 401k ....
by nwffdiver
Sat Jun 23, 2018 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: My first attempt at TLH
Replies: 14
Views: 1164

Re: My first attempt at TLH

Another question...

Will the loss show on my year end tax statement? Or do I need to keep track of my numbers?

I realize these are probably really rookie questions, but my taxable account is comparatively small and a lot of this is new to me.
by nwffdiver
Sat Jun 23, 2018 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: My first attempt at TLH
Replies: 14
Views: 1164

Re: My first attempt at TLH

I wish I knew I could just exchange the MF’s the sell then buy option has still not posted.

Thanks for all the great responses.
by nwffdiver
Fri Jun 22, 2018 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: My first attempt at TLH
Replies: 14
Views: 1164

My first attempt at TLH

Today I took my first attempt at tax loss harvesting. I sold my VG VTIAX total international for VFWAX FTSE all exUS. I had about a $1000 loss. Question.... I realize I cannot rebuy VTIAX for 31 days, not a problem as I will just keep both funds, but can I buy more of VFWAX before 31 days? I have al...
by nwffdiver
Tue May 15, 2018 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie With 457 Plan Options ?'s
Replies: 16
Views: 1364

Re: Newbie With 457 Plan Options ?'s

Looks like your Nationwide options are very similar to my 401a NW fees. I use the NW 500 index, NW int. bond index, then fill my International in my Roth. All of there options are pretty high. Good luck :sharebeer
by nwffdiver
Fri Apr 27, 2018 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: PERS pension, should we do more Roth ?
Replies: 5
Views: 842

Re: PERS pension, should we do more Roth ?

FiveK wrote:
Wed Apr 25, 2018 9:46 pm
nwffdiver wrote:
Wed Apr 25, 2018 8:12 pm
...more in Roth might help us as I will be in a higher tax bracket....
Do you mean "...as we will be in a higher..." or do you expect to be filing single?

Yes I meant we.
by nwffdiver
Wed Apr 25, 2018 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: PERS pension, should we do more Roth ?
Replies: 5
Views: 842

PERS pension, should we do more Roth ?

I am planning to retire in about 6 1/2years. As long as we don’t have another 2008 we should be ok. I SHOULD have a pension to cover about 40-50% of living expenses. We have about $750k in retirement assets, and our house will be paid off before my retirement date. I’m wondering if my wife should be...
by nwffdiver
Wed Apr 25, 2018 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: “Gradually simplify” your portfolio, or all at once?
Replies: 17
Views: 1900

Re: “Gradually simplify” your portfolio, or all at once?

I converted about 5 years ago 3 fund + 5 % REIT ,but as a state PERS employee I have multiple accounts along with my spouses. I have 3 Int Bond funds , 1 Stable value fund, 2 S&P 500 indexes, 1 Sm cap Index, 1 TSM (Us) , 1 TISM, 1 EAFE index, and on state run Fund that the Oregon investment council ...
by nwffdiver
Sat Apr 14, 2018 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: Reinvesting into TISM in taxable
Replies: 3
Views: 275

Re: Reinvesting into TISM in taxable

The taxable amount is quite small, but I figure I should be able to add a few hundred a month, just not totally understanding what the WIKI was saying makes me not want to make a mistake early :happy